Many times, the reasons for refusing to apply for a credit card are both objective and subjective. On the one hand, banks sometimes have strict auditing standards for applicants, or control the amount of cards issued in order to optimize risks. On the other hand, it may be that the applicant's own conditions do not meet the requirements of the bank and his credit record is poor, which leads to the rejection of the application. Details are as follows:

1. The applicant's age does not match: the credit card applicant must be a China citizen who has reached the age of 18 and has full civil capacity.

2. The applicant's work income does not match. Applicants must have a stable job and a legitimate source of income. If you have a job and income, you can guarantee that the applicant will pay off the credit card account.

3. If the applicant's personal credit does not match, the bank will review the applicant's personal credit. If personal credit is tainted, the bank will not pass the application.

4 Unable to contact the applicant: the bank will contact the applicant several times during the audit period to verify his personal situation. If the mobile phone number or address reserved by the applicant in the bank is wrong, and the bank cannot contact the applicant, the credit card application will not be approved.

5. applicant's health reasons: the bank will control the risk of the applicant during the audit and consider whether to apply for a credit card.

6. The assets of the applicant. If the credit card level applied for is relatively high, the bank will ask him to provide corresponding asset certificates, such as real estate license, automobile driving license, stock securities, bank deposit slips, payroll, etc. If the personal assets applied for do not meet the I threshold conditions for applying for a credit card, the bank will not pass.

7. Frequent submission of applications Applicants frequently apply for the same bank credit card, submit the application form many times or cancel the submission many times, which is also the reason why the credit card application is not enough.

The reasons for the failure of credit card application are generally as follows:

First of all, the information filled in when applying for a credit card is untrue, and the application will be rejected.

Secondly, the applicant's own situation does not meet the conditions for issuing cards, for example, there is no stable source of income, and it is impossible to prove that he has the financial ability to pay off the credit card limit.

Thirdly, there is no branch of the bank in the application place. In this case, the bank's credit card is generally not available.

Finally, bad personal credit record is also a common reason why credit card applications can't come down.

The reasons for the failure of credit card application cannot escape these points.

Who has a credit card next door? Why is my credit card application always rejected? I believe many card friends have experienced this situation and hope to do something to change this situation. So, let's analyze the reasons for the failure of credit card application.

The 1. application does not meet the requirements.

Most credit cards have strict requirements on the applicant's gender, age and income. For example, China Merchants Bank's YOUNG card is only for people under the age of 30, and Guangfa True Love Card is specially designed for female friends. The bank's platinum card and gold card have certain requirements for applicants' income, and some cards are specially designed for college students.

Therefore, if you don't know the specific requirements of a credit card before applying for it, and you just don't meet the requirements of a credit card, your credit card application will naturally be rejected by the bank.

2. Bad credit record

The applicant's personal credit record has an important influence on the success of credit card application. For people with bad credit records, even if the salary is 654.38+200,000, the bank may not approve his credit card application. Because after you submit your credit card application, the bank will review your credit history in the past two years. Therefore, it is necessary to keep repayment on time within at least two years, and there is no bad credit record.

3. Incomplete application materials

Incomplete application materials are the reason why most cardholders fail to apply for credit cards. Because the authenticity and integrity of information are the primary factors that determine whether you can do it. If you provide false information, the bank will not hesitate to reject your application after investigation, so don't take any chances. Of course, if the personal information is incomplete and lacks some necessary information, then the bank will not apply through you.

Therefore, when filling in the information, we must ensure the authenticity and integrity. If the credit card application fails, you may wish to see whether the information you fill in meets these two conditions first.

4. Encounter black intermediary structure

At present, there are many black intermediaries on the Internet, which induce card friends to handle cards in their designated channels through various means, and then defraud money and personal information. These black institutions simply do not have the conditions to open cards. There is no doubt that your credit card application is certainly a failure.

Therefore, card friends should be alert to these black organizations on the Internet, don't be deceived, and must apply for a credit card through formal channels, such as going to the bank's business hall, applying for a credit card on the bank's official WeChat account and the bank's official website.

5. I missed the credit call.

If you miss the bank's credit call, the bank will not be able to verify your information in time, and your credit card application will also fail. Therefore, once you apply for a credit card, you should pay attention to the phone number of the bank and don't miss it.

After accepting the applicant's credit card application, the bank will investigate the authenticity and completeness of the information provided by the applicant by telephone or face-to-face investigation. After the investigation is completed, the internal system of the bank will be used to check whether the applicant meets the requirements of using the card and whether the credit record is good. Finally, a comprehensive score is obtained through investigation and review. If the comprehensive score does not meet the requirements for issuing bank cards, your credit card application will also be rejected.

These are the reasons why the credit card application failed. Those card friends who are still worried about why their credit card applications always fail can find the reasons from the above six aspects in combination with their own situation. I hope every cardholder can apply for a credit card quickly.

Why can't I apply for a credit card?

What are the reasons for the rejection of credit card application and the failure of credit card application?

The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.

Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

What are the reasons for not applying for a credit card?

1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.

4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

Why does my credit card always expire?

Credit card applications are always rejected for the following reasons.

1. The applicant does not meet the most basic requirements of the joint card, and may be under 18 years old or over-aged, exceeding the limit of the bank.

2. Have a bad credit record, that is, the applicant has a credit card overdue or loans overdue repayment record, and the personal credit information system has a bad record.

There is no credit card business in this area.

4. The applicant is a white credit account, and the person who applies for a credit card for the first time has no previous credit record, so it is difficult for the bank to judge its credit quality, and it is easy to get a card and be rejected.

Why can't I pass the credit card review? Why not?

The use of credit cards has become very common, and a small number of people may encounter situations that cannot be done many times. What's the problem? You need to calm down, have a look and find the key to the problem. Many times, it is not easy to find out which subtle link has gone wrong.

1. Does not meet the conditions for issuing cards.

When applying for a credit card, many people don't know the specific conditions of the application. Some special bank cards are distributed to specific people, such as student cards, female cards, membership cards or cards with age restrictions. I don't understand, the bank will naturally not pass.

Second, the application materials are incomplete.

Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards, especially when applying for credit cards for the first time. For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

Third, there is a bad credit record.

The bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved; And if you have a bad credit record, you will of course be rejected. It is very important to keep a good credit record.

4. The applicant institution or channel is wrong.

Be sure to apply for a credit card in an official institution or a third party authorized by an official institution, or you will fall into the trap of a black intermediary unconsciously. This not only prevents you from getting a credit card, but also leads to the disclosure of personal information, causing irreparable economic losses.

If you often apply for a credit card and can't do it, you must find the reason. Every time you apply for a card, when the bank inquires about the credit report, it will leave the time for the bank to inquire about the report. If you apply for a credit card intensively, it is likely to be suspected as a high-risk customer and will not be approved.

This is the end of the introduction about why I can't get a credit card and why some banks can't get a credit card. I wonder if you have found the information you need?